Bank · FDIC insured
Capitol Federal Auto Loan Rates
Top CarrotCapitol Federal auto loans start at 7.33% APR for a new vehicle and 7.37% for a used one. Rates checked October 17, 2026.
How Capitol Federal’s auto loan rates compare
Compared with banks and credit unions near Kansas City, MO-KS, where Capitol Federal has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
Capitol Federal
7.33%APR
- Terms
- up to 60 months
Auto Loan
Lowest rate
Nova Credit Union
3.95%APR
- Terms
- —
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
Capitol Federal auto loan score
61
Auto loan score
Higher than 4% of U.S. banks and credit unions
- New vehicleNew7.33%
- Used vehicleUsed7.37%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Capitol Federal ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loan
Available for purchasing new or used vehicles, refinancing, or lease buyout. Fixed interest rates. Rates and APR may be reduced by 0.25% with automatic/preauthorized payment from a Capitol Federal checking or savings account. Closing costs are added to the loan amount and not required to be paid out-of-pocket.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 7.10% | New Vehicle. Maximum LTV 100% calculated using the purchase price of the vehicle before trade-in or down payment. Fixed rate. Rate and APR may be reduced by 0.25% with preauthorized payment from a Capitol Federal checking or savings account. |
| up to 60 months | 7.33% | New Vehicle. Maximum LTV 100% calculated using the purchase price of the vehicle before trade-in or down payment. Fixed rate. Rate and APR may be reduced by 0.25% with preauthorized payment from a Capitol Federal checking or savings account. |
| up to 72 months | 7.57% | New Vehicle. Maximum LTV 100% calculated using the purchase price of the vehicle before trade-in or down payment. Fixed rate. APR assumes a $50,000 loan amount for the maximum term. Rate and APR may be reduced by 0.25% with preauthorized payment from a Capitol Federal checking or savings account. |
| up to 48 months | 7.15% | Previously Owned - 4 Recent Model Years. Maximum LTV 100% calculated using Kelley Blue Book's Typical Listing Value or J.D. Power's Clean Retail Value. Fixed rate. Rate and APR may be reduced by 0.25% with preauthorized payment from a Capitol Federal checking or savings account. |
| up to 60 months | 7.37% | Previously Owned - 4 Recent Model Years. Maximum LTV 100% calculated using Kelley Blue Book's Typical Listing Value or J.D. Power's Clean Retail Value. Fixed rate. APR assumes a $35,000 loan amount for the maximum term. Rate and APR may be reduced by 0.25% with preauthorized payment from a Capitol Federal checking or savings account. |
| up to 48 months | 7.65% | Previously Owned - 8 Recent Model Years. Maximum LTV 100% calculated using Kelley Blue Book's Typical Listing Value or J.D. Power's Clean Retail Value. Fixed rate. Rate and APR may be reduced by 0.25% with preauthorized payment from a Capitol Federal checking or savings account. |
| up to 36 months | 8.19% | Previously Owned - 9 or Older Recent Model Years. Maximum LTV 100% calculated using Kelley Blue Book's Typical Listing Value or J.D. Power's Clean Retail Value. Fixed rate. Rate and APR may be reduced by 0.25% with preauthorized payment from a Capitol Federal checking or savings account. |
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.